An offer without Reservation of financing is often more attractive to the selling party. However, for you as the buyer, it does entail certain risks. Suppose you are unable to secure financing, in which case you will have to pay 10% of the purchase price as a penalty. At Huiskamer Hypotheken, you can make use of Bieden met Zekerheid (Bidding with Certainty). This allows you to bid without a financing reservation and without any financial risk on your part. For a one-off fee, you insure yourself against the penalty amount if you are unable to secure financing. 

What is Bid with Zcertainty? 

Bidding with Confidence enables you to make a financially responsible offer without a financing clause. By paying a certain amount once, you insure yourself against the penalty if you are unable to secure financing. To give an example: you make an offer of €475,000 on a property. and your offer is accepted. Then it is important to finalise the mortgage. If you are unable to secure financing but have used Bieden met Zekerheid (Bid with Certainty), you get none fine. Otherwise, it would have been 10% of the purchase price, i.e. €47,500. 

Why Bid with ZSecurity? 

Making an offer that is attractive to the selling party and at the same time financially responsible? That is the reason to choose Bidding with Certainty. An offer without a financing reservation. the selling party often gives the reassurance that the financing will be secured. And that gives you an edge over other bids. For a one-off fee, you can insure yourself against the penalty amount if you are unable to secure financing. 

How does Bidding with certainty work? 

First, you plan a Arrange a meeting with one of our advisers. Together, you will explore the options for your mortgage. We would be pleased to calculate your maximum mortgage. 

Did you know that the first consultation is always free of charge? Schedule your appointment now! 

You have found your dream home. Time to make an offer! We can guarantee that you will be able to obtain a mortgage up to a certain amount. This means that you can make an offer up to that purchase price without any financing conditions. 

The property value must be determined in advance. assessed, you wish to apply for the Bid with Confidence certificate. You will need an online valuation (desktop valuation) or a statement from an estate agent for this. The costs for an online valuation are usually €25. 

We will apply for the Bid with Confidence certificate on your behalf. You will be charged a one-off fee of €850 for the certificate.  

Is your bid not the winning bid? It's really disappointing, of course. When your bid is not accepted, you don't have to You do not have to pay €850. You only have to pay the costs for the online valuation.